SELECT A CHECKING ACCOUNT, AND WE'LL SWITCH EVERYTHING FOR YOU. IF YOU'RE NOT SATISFIED, WE'LL SWITCH YOU BACK. GUARANTEED.*

HERE'S HOW IT WORKS:

1Open a new account

If you haven't already, open a new SunTrust checking account—it only takes a few minutes.

2Set up an appointment

Once you have a new account,
visit a branch to complete and sign your authorization form. You will also select a convenient time for us to call you to complete your switching appointment..

3We'll take care of the rest

We’ll work through the details and schedule the transfer of all of your Direct Deposits and automatic payments to your new SunTrust account. You can even transfer your online bill pay in 5 minutes or less.

When you make 10 or more client-initiated transactions during the statement cycle3 AND sign up for
online paperless statements, we'll waive the monthly maintenance fee.4

1. SunTrust does not charge a fee for the use of SunTrust Mobile Banking. If you do not already have a data plan
with your wireless service provider, normal data rates will apply. 2. SunTrust Solid Theft ProtectionSM is serviced
by Global Privacy Solutions. A SunTrust Consumer checking account is a requirement of enrollment. 3. Client-initiated
transactions: Deposit and withdrawal transactions made by the client (includes transactions such as those made with
the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer,
automatic transfer, telephone transfer, ACH debit or credit, check, or Check Card purchases including PIN Point of
Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle.
Bank fees and overdraft protection transfers are not included. Both the stated number of client-initiated transactions
and online/electronic statement are required to avoid the monthly maintenance fee. 4. Suppression of paper statements each
statement cycle. Electronic statements will be available through Online Banking.

If you make a minimum $100 Direct Deposit3 per month, we'll waive the monthly maintenance fee.

1. SunTrust does not charge a fee for the use of SunTrust Mobile Banking. If you do not already
have a data plan with your wireless service provider, normal data rates will apply. 2. SunTrust
Solid Theft ProtectionSM is serviced by Global Privacy Solutions. A SunTrust Consumer checking
account is a requirement of enrollment. 3. A qualifying Direct Deposit is a Direct Deposit of your
salary, pension, Social Security or other regular monthly income of $100 or more per deposit
electronically deposited to your account during statement cycle by your employer or outside agency.
Transfers from one account to another or deposits made at a banking location or ATM do not qualify
as a Direct Deposit.

*In order to qualify for the switch back offer, you must open a new personal checking account by 11/30/2013. You agree to sign an authorization form to participate in the Deluxe SwitchAgentSM service which will move your existing direct deposits, preauthorized ACH credits and debits and your Online Banking Bill Pay Billers from your existing financial institution to your new SunTrust account. You may not cancel this request while SunTrust or our partners are in the process of switching these transactions. If you decide you are not satisfied with your new SunTrust account and would like to switch to another financial institution after completion of all of the above qualifying activities, you must stop by a local SunTrust branch and notify us no later than 12/31/2013. Your SunTrust account must be in good standing and reflect a positive account balance. You must already have an active, valid account opened at another financial institution in order for SunTrust to switch your transactions from SunTrust to your new financial institution. You will be required to sign a new authorization form in order for SunTrust or our partners to perform these activities and may have to supply additional information. This offer is limited to one switch/switch back per checking account. SunTrust will only be responsible for switching back existing direct deposits and/or ACH transactions if you decide to move to another financial institution. In order to switch your online bill pay billers to SunTrust, you must have an existing online banking account with your current financial institution and set up a new SunTrust Online Banking with Bill Pay account in conjunction with your new SunTrust personal checking account. To complete the transfer of your online bill pay biller information, you will need to log in to your current online banking account via our automated system and select the billers that you wish to transfer to SunTrust. However, there may some financial institutions or billers that are not supported by our system and cannot be automatically transferred to the SunTrust Online Banking Bill Pay system.

9 out of 10 clients would recommend SunTrust as evidenced in a proprietary survey of over 120,000 existing clients conducted January - August 2013.